Hi , I pretty much found many of them to be around the same but what I do recommend and what I did was call as many local banks and credit unions as I could and ask them rates , amortization schedule, origination fees, pre payment  penalties , refinance options if rates go down , as many things as you can think of  and write it all down for each one.

I'm an out of state investor, therefore when I speak to some local credit union they request I reside in the area to obtain membership. 

I bank with Navy Federal Credit Union, and they have a great 20 year interest only HELOC option in which I could utilize my substantial home equity.

@Jaycee Greene I met with the credit union and waiting on an appraisal but pretty certain I'll access to around $80K @ 8%.

When I go to my credit union for a commercial loan there is no junk fees, no origination fee or maybe a half point origination and a better rate.

Since the property is free and clear, you might consider reaching out to local banks or credit unions, as they often have more flexibility for smaller loans.

Some credit unions or local banks offer portfolio loans that don’t stick to the 4-unit limit, which could work well here.

Maybe a Credit Union?

Maybe exploring options like a home equity loan or a personal loan from a credit union could be worth considering.

Right now we're using a local credit union and every time I need to do a wire transfer I have to go into the branch location.